so rk ma, we have three minutes each. >> clerk: if that's what you'd like, yes. >> yes. the speakers are greg brown, debbie lerman, and mark kramer, and then we'll proceed with discussion by the commission. >> clerk: so again, i have an egg timer. when the buzzer buzzes, that means your time is up. >> thank you, commissioners and staff and everybody else. having been on the work group -- and by the way, i must compliment patrick chang. he has to deal with tough circumstances sometimes because there's disagreements, and he's done an excellent job with his staff, and the other people from the city, they're a pleasure to work with, so i commend you on that. as one of the people on the group, i was most concerned -- the purpose of our hcal was to cover more people with insurance and make it affordable. i was one of those people that was against the $45 because having talked to a lot of workers, i find that some of those workers are not taking advantage using their health care premium, which just puts more money back in the health insurance company's pockets. the reason is th